every
mother
needs to know her children have a safe place to call home.
Homeownership
We are not currently accepting applications for our Homeownership program at this time.
Strong and stable homes build strong and stable communities.
Working in partnership with local families, Habitat creates opportunities for homeownership.
Future Habitat homeowners are active participants in the homebuilding and home buying process. The foundation of our unique program is working in partnership with families seeking the strength, stability, and independence that homeownership provides. Habitat homeowners build and buy their very own homes, creating brighter futures for themselves and their families.
Habitat’s model creates a cycle of community investment putting home mortgage payments to work building more homes.
land for affordable housing communities, through donation or partnership.
Identify
homes through volunteer labor - including 150 "HIP-hours" completed by the homeowner
Build
Save
on expensive labor costs, which is passed on to future homeowners
Sell
to qualified buyers at a price they can afford
Invest
mortgage payments back into the program to build more Habitat homes
Future Greater Matthews Habitat Homeowners must meet 4 criteria:
You must have a need for housing
We partner with families who have low to moderate incomes, and who experience crowding, expensive rent, or unsafe conditions in their current housing.
You must have a steady income
Applicants must demonstrate the ability to repay an affordable mortgage that is around 30% of their gross monthly income.
You must be willing to partner
Homebuyers participate in the construction of their home by completing 150 volunteer "HIP-hours". Hours can also be completed by attending required classes or volunteering at our ReStore.
You must live in our service area
Applicants must have lived or worked in our service area at least 12 months prior to applying.
Greater Matthews Habitat for Humanity provides equal housing opportunity to all.
Greater Matthews Habitat for Humanity has pledged to the letter and spirit of U.S. Policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.
Here are answers to the questions we hear most.
Need more help?
Send a message to our Homeowner Services Department.
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How do I get a house?Greater Matthews Habitat for Humanity does not give away homes. We provide a hand up, not a handout. You will be purchasing your home, and we work with you to make sure you have an affordable housing cost after purchasing the home. Each applicant must agree to partner with us in the program, which includes providing all documentation needed as well as attending homebuyer education classes and completing volunteer "HIP-hour" requirements.
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Are Habitat homes free?No, Habitat homeowners purchase their home, and pay an affordable mortgage.
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When will you accept applications again?At this time, we do not have a date set for our next application period.
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How much does a Greater Matthews Habitat mortgage cost?Your mortgage payment (including principal, interest, taxes, and insurance) will be no more than 30% of your gross monthly income. This helps to ensure that you are able to continue making payments on your home while having enough remaining income to provide a healthy, stable life for you and your family.
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What is meant by "ability to pay"?Must be able to afford monthly mortgage payments Debt-to-income ratio has to be lower than 13% Stable income of at least $45,000 a year but less than 80% of the AMI based on family size.
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Do I need enough savings for a down payment?No. We consider the required 150 volunteer "HIP-hours" as down payment. However, you are required to cover closing costs.
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What do you mean by "family"?Greater Matthews Habitat for Humanity understands that there are many types of families, and all are welcome to apply to our program. You determine who your family is. Just a few examples of family are: an individual applying alone, a married couple with children, a single parent, a non-married couple, or a family that includes aunts, uncles, or parents. Unless there are circumstances outside of your control, you must have lived with all the household members shown on your application for at least 6 months.
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How do I get a house?Greater Matthews Habitat for Humanity does not give away homes. We provide a hand up, not a handout. You will be purchasing your home, and we work with you to make sure you have an affordable housing cost after purchasing the home. Each applicant must agree to partner with us in the program, which includes providing all documentation needed as well as attending homebuyer education classes and completing volunteer "HIP-hour" requirements.
-
Are Habitat homes free?No, Habitat homeowners purchase their home, and pay an affordable mortgage.
-
When will you accept applications again?At this time, we do not have a date set for our next application period.
-
How much does a Greater Matthews Habitat mortgage cost?Your mortgage payment (including principal, interest, taxes, and insurance) will be no more than 30% of your gross monthly income. This helps to ensure that you are able to continue making payments on your home while having enough remaining income to provide a healthy, stable life for you and your family.
-
What is meant by "ability to pay"?Must be able to afford monthly mortgage payments Debt-to-income ratio has to be lower than 13% Stable income of at least $45,000 a year but less than 80% of the AMI based on family size.
-
Do I need enough savings for a down payment?No. We consider the required 150 volunteer "HIP-hours" as down payment. However, you are required to cover closing costs.
-
What do you mean by "family"?Greater Matthews Habitat for Humanity understands that there are many types of families, and all are welcome to apply to our program. You determine who your family is. Just a few examples of family are: an individual applying alone, a married couple with children, a single parent, a non-married couple, or a family that includes aunts, uncles, or parents. Unless there are circumstances outside of your control, you must have lived with all the household members shown on your application for at least 6 months.
-
How do I get a house?Greater Matthews Habitat for Humanity does not give away homes. We provide a hand up, not a handout. You will be purchasing your home, and we work with you to make sure you have an affordable housing cost after purchasing the home. Each applicant must agree to partner with us in the program, which includes providing all documentation needed as well as attending homebuyer education classes and completing volunteer "HIP-hour" requirements.
-
Are Habitat homes free?No, Habitat homeowners purchase their home, and pay an affordable mortgage.
-
When will you accept applications again?At this time, we do not have a date set for our next application period.
-
How much does a Greater Matthews Habitat mortgage cost?Your mortgage payment (including principal, interest, taxes, and insurance) will be no more than 30% of your gross monthly income. This helps to ensure that you are able to continue making payments on your home while having enough remaining income to provide a healthy, stable life for you and your family.
-
What is meant by "ability to pay"?Must be able to afford monthly mortgage payments Debt-to-income ratio has to be lower than 13% Stable income of at least $45,000 a year but less than 80% of the AMI based on family size.
-
Do I need enough savings for a down payment?No. We consider the required 150 volunteer "HIP-hours" as down payment. However, you are required to cover closing costs.
-
What do you mean by "family"?Greater Matthews Habitat for Humanity understands that there are many types of families, and all are welcome to apply to our program. You determine who your family is. Just a few examples of family are: an individual applying alone, a married couple with children, a single parent, a non-married couple, or a family that includes aunts, uncles, or parents. Unless there are circumstances outside of your control, you must have lived with all the household members shown on your application for at least 6 months.